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Convenience stores, supermarkets & off-licences · Ireland
Convenience stores,
supermarkets &
off-licence loans.
Keep shelves stocked, replace refrigeration or improve your shop without stretching everyday cash flow. We help Irish convenience stores, supermarkets and off-licences compare business loans, equipment finance, merchant cash advance and eligible stock funding through specialist and non-bank lenders.
Card-sales working capital
For shops with regular customer card payments.
- Merchant cash advance can be quoted from 90 days trading
- At least €5,000 monthly card takings
- May help fund stock, supplier payments, wages and everyday business costs
- Collections are linked to an agreed percentage of card sales
- The collection percentage is not the interest rate or total borrowing cost
- Compare total repayments with what remains for stock, rent and bills
Refrigeration & shop equipment
For suitable equipment used to store products and serve customers.
- Eligible chilled display cabinets, freezers and cold-storage equipment
- Suitable deli equipment, coffee machines and checkout systems
- Leasing or hire purchase for suitable new or used equipment
- Equipment deals from €10,000, typically with a 10% dealer deposit
- Some smaller POS, IT, coffee-machine and security packages may have no-deposit leasing options
- Equipment suitability and affordability matter; list installation and building work separately
Term loans for stock & growth
For established retailers funding wider business costs.
- Stock purchases, supplier payments and seasonal ordering
- Shop refurbishment, recruitment, marketing and expansion
- At least 12 months trading and one full year's completed accounts
- Latest accounts showing €100,000 or more turnover and a net profit
- No recent missed payments on business bank statements
- Flexible repayment options from 9 months trading with steady cash flow and around eight or more deposits a month
Eligible supplier & stock funding
For suitable physical goods bought for resale.
- Trade finance may fund eligible supplier invoices for resale stock
- The lender pays the supplier; BusinessLoans.ie arranges the facility
- Repayment terms up to 180 days, subject to approval and agreed terms
- Target profile: at least 12 months trading and around €500,000 annual sales, ideally profitable
- Product type, shelf life, supplier checks and stock turnover need review
- Alcohol and other regulated goods require specific lender approval; not every stock order qualifies
Business finance only, not personal loans. Unsecured term loans are not registered against property or business assets, but some lenders ask for a personal guarantee. All options depend on lender assessment, purchase suitability and affordability.
Keep stock and repayments in balance
Replacing a freezer is different from placing a seasonal stock order. Compare asset finance for suitable equipment with term and flexible repayment loans for wider business costs. For qualifying resale purchases, explore trade finance.
Allow for supplier payment terms, product margins and stock turnover before deciding how much to borrow. Our retail finance page covers related needs, while acquisition finance covers buying an existing business. Opening your first shop? See new-business finance and supports.
Taking card payments? Compare eligibility, repayments and costs on our merchant cash advance page.
Guides for your industry
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
4 November 2026
Trade Finance in Ireland: Get Your Stock Funded and Take Up to 180 Days to Pay
Buying stock before customers pay? Trade finance can fund eligible supplier invoices and give Irish importers, retailers and wholesalers up to 180 days to repay.
Read guide →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
Read guide →
Common questions
Can my shop's card takings support funding?
Merchant cash advance can be quoted from 90 days trading with at least €5,000 monthly card takings. Collections use an agreed percentage of card sales, which is separate from the borrowing cost. The lender reviews sales history and commitments; check total repayments and the effect on daily cash flow.
Can I finance refrigeration or checkout equipment?
Suitable refrigeration, deli equipment and checkout systems may qualify for equipment finance. Some smaller POS, IT, coffee-machine and security packages can have no-deposit leasing options, depending on the lender and items. Send an itemised supplier quote including installation for review; building work is not automatically eligible equipment.
Can a term loan cover stock and shop improvements?
Yes, a term loan may cover stock and wider business costs for an established retailer. You need at least 12 months trading and one full year's completed accounts, turnover of €100,000 or more, a net profit and no recent missed bank-statement payments. Affordability and existing commitments also matter.
Can trade finance pay my stock supplier?
It may fund eligible physical goods bought for resale, with the lender paying the supplier and repayment terms up to 180 days where agreed. The target profile is one year trading, around €500,000 annual sales and ideally a profit. Supplier checks, product eligibility and stock turnover matter; alcohol or short-life stock needs specific review.
Can an off-licence apply?
We can review finance needs for an established off-licence, including stock, card-sales working capital and suitable shop equipment. The lender assesses the business, affordability and purpose. Alcohol stock is not automatically eligible for every stock-funding product; explain the proposed purchases and any relevant licensing details.
What if I need extra stock before Christmas or a busy season?
Show when suppliers need paying and when sales receipts should arrive. Include stock margins, shelf life, wastage, staffing and quieter weeks after the peak. A busy till does not mean every euro is available for repayments, so use realistic cash flow after supplier and operating costs.
Can I fund a second shop or buy another store?
An established retailer may use suitable business finance for expansion, subject to accounts and affordability. Buying another business is a separate proposal: explain the purchase price, your contribution, the target business's accounts and how the combined business will repay. Our acquisition finance page covers those needs.
Can a new convenience store apply?
A shop with sufficient card takings may be considered for merchant cash advance from 90 days trading. Equipment criteria vary, while term loans need one full year's completed accounts and the turnover and profit criteria. Pre-trading businesses should explore banks, Microfinance Ireland and National Enterprise Hub supports through our new-business page.
What should I send to get started?
Send recent business bank statements, the amount needed and its purpose. Add card-processing statements for merchant cash advance, supplier quotes for equipment, latest completed accounts for a term loan, or supplier invoices and stock details for trade finance. Explain seasonal sales, margins, supplier terms and existing commitments.
Do you charge a broker fee?
No. We do not charge clients a fee; lenders pay us a commission when funding completes. Lender interest and charges are separate and should be checked before accepting an offer.
Free to you. Lenders pay us a commission when your loan completes. How we get paid